NASDAQ: PBHCPathfinder Bancorp Inc Stock
$12.01-0.23 (-1.88%)
Updated Apr 18, 2024
PBHC Price
$12.01
Fair Value Price
N/A
Market Cap
$73.26M
52 Week Low
$11.41
52 Week High
$15.96
P/E
7.95x
P/B
0.61x
P/S
2.08x
PEG
1.18x
Dividend Yield
3.83%
Revenue
$41.18M
Earnings
$9.29M
Gross Margin
100%
Operating Margin
28.3%
Profit Margin
22.6%
Debt to Equity
11.26
Operating Cash Flow
$15M
Beta
0.13
Next Earnings
Apr 30, 2024
Ex-Dividend
Apr 18, 2024
Next Dividend
May 10, 2024
PBHC Overview
Pathfinder Bancorp, Inc. operates as a holding company for Pathfinder Bank that provides various banking and financial products and services primarily in Oswego and Onondaga Counties, New York. The company accepts various deposits, including checking, savings, and money market deposit accounts, as well as certificates of deposit, and demand and time deposits. Its loan portfolio comprises commercial real estate loans; commercial loans; residential real estate and construction loans; tax-exempt loans; home equity loans and junior liens; municipal loans; and consumer loans comprising automobile, recreational vehicles, and unsecured personal loans, as well as unsecured lines of credit and loans secured by deposit accounts. The company is also involved in the property, casualty, and life insurance brokerage business. It primarily serves individuals, families, small to mid-size businesses, and municipalities. As of February 03, 2022, it operated through ten full-service offices located in Oswego and Onondaga Counties, as well as one limited purpose office located in Oneida County. Pathfinder Bancorp, Inc. was founded in 1859 and is headquartered in Oswego, New York.
Zen Score
–
Industry Average (33)
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Due Diligence Checks
PBHC ($12.01) is trading above its intrinsic value of $11.85, according to an updated version of Benjamin Graham's Formula from Chapter 11 of "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
PBHC is good value based on its earnings relative to its share price (7.95x), compared to the US market average (41.33x)
P/E vs Market Valuation
PBHC is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
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PBHC News
Valuation
PBHC fair value
Fair Value of PBHC stock based on Discounted Cash Flow (DCF)
Price
$12.01
Fair Value
$16.86
Undervalued by
28.77%
PBHC ($12.01) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
PBHC price to earnings (PE)
For valuing profitable companies with steady earnings
Company
7.95x
Industry
-10.84x
Market
41.33x
PBHC is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
PBHC is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
PBHC price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
0.61x
Industry
0.95x
PBHC is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
PBHC price to earnings growth (PEG)
For valuing profitable companies with growth potential
PBHC is poor value relative... subscribe to Premium to read more.
PEG Value Valuation
PBHC's financial health
Profit margin
Revenue
$10.2M
Net Income
$2.5M
Profit Margin
24.8%
PBHC's Earnings (EBIT) of $11.66M... subscribe to Premium to read more.
Interest Coverage Financials
PBHC's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$1.5B
Liabilities
$1.3B
Debt to equity
11.26
PBHC's debt relative to shareholder... subscribe to Premium to read more.
Shrinking Debt Financials
PBHC's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$8.4M
Investing
-$40.9M
Financing
$56.7M
PBHC's operating cash flow ($15.43M)... subscribe to Premium to read more.
Debt Coverage Financials
PBHC vs Bank Stocks
Pathfinder Bancorp Stock FAQ
Company
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Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.